All the answers to the questions about the Pag-IBIG Calamity Loan


The Pag-IBIG Fund Calamity Loan caters to affected members in areas declared under a state of calamity. It features a cheap interest rate of only 5.95% per annum and is payable in 24 monthly installments.

The loan may be used for housing or non-housing related purposes, such as: for livelihood, tuition/educational expense, health and medical allowance, and minor home repairs and improvements. 

Who may apply for the Pag-IBIG Calamity Loan? 

Any PAG-IBIG Fund member who meets any of the following conditions:

1. Has made at least 24 monthly savings (MS) to the fund. If a member has not met the 24 MS, he is still allowed to apply if his/her total savings is at least equivalent to the total of 24 MS based on the rate applicable to him/her.

2. Has made at least 1 MS for the past six (6) months preceding the date of application;

3. If with an existing Pag-IBIG Housing Loan, Multi-Purpose Loan (MPL) and/or Calamity Loan, all outstanding dues must be paid up to date; 

4. Must be a resident of an area declared under a state of calamity; and

5. Has adequate proof of income. 

When can I apply for the the Pag-IBIG Calamity Loan?

The Pag-IBIG member can apply for the loan within ninety (90 days) or three (3) months from the declaration of a state of calamity. If already past the 90-day period, members may opt to apply for the Multi-Purpose Loan.

How much can I borrow for the Pag-IBIG Calamity Loan? 

The amount of allowable loan shall be computed based on the lowest of the following:

1. Desired amount of loan

2. Loan Entitlement – This amount is equivalent to eighty percent (80%) of the Total Accumulated Value (TAV) or the total of monthly contributions. However, take note that if you recently availed of a Multi-Purpose Loan, the outstanding balance from such loan will be deducted from the 80% of the TAV to arrive at the loanable amount.

3. Capacity to Pay – The borrower’s Net Take Home Pay (NTPH) or the net salary that will be received after all deductions including the amortization for loan payment will be taken into consideration when computing for the loanable amount. The NTPH shall not fall below the minimum threshold as dictated by the company’s policy or the General Appropriation Act (GAA), whichever is appropriate.

How to get the Pag-IBIG Calamity Loan?

1. Accomplish one (1) copy of the Calamity Loan Application Form (CLAF). You may obtain it from any branch of Pag-IBIG Fund services in your area. You can also download the form here.

2. Prepare the following requirements:

  • Copy of at least one (1) valid ID
  • Proof of Income 

a. If formally employed, the “Certificate of Monthly Net Income” section at the back  of the CLAF must be accomplished by the applicant’s employer. 

A duly authenticated photocopy of the applicant’s latest pay slip by the company’s authorized officer may also be submitted. 

b. For individual payors or self-employed, furnish a photocopy of business or mayor’s permit, sales vouchers, or other valid proof of income. 

  • Photocopy of payroll account/disbursement card or deposit slip (if new account) where the loan proceeds will be remitted, if applicable. Check the last section of this article for the other channels. 

3. Submit the accomplished CLAF together with the supporting documents to any Pag-IBIG Fund branch or online thru email. 

Check here for the email address of the appropriate Pag-IBIG Fund office for each region (data retrieved from Pag-IBIG, updated 22 March 2020).

NCR NorthGMA Kamuning, Quezon Ave.,
Commonwealth Ave., Cubao, Marikina, Caloocan-EDSA, Valenzuela
[email protected]
NCR EastPasig, Mandaluyong-Shaw
Zentrum, Antipolo
[email protected]
NCR SouthMakati-Buendia II, Binan,
Makati-Ayala Ave.,
Makati-Buendia II,
Makati-JP Rizal, Taguig (Gate 3 Plaza),
Guadalupe-EDSA, Muntinlupa, SM Aura
[email protected]
NCR WestIntramuros, Sta. Mesa, Binondo,
Pasay, Las Pinas (Robinson’s Place), Paranaque
[email protected]
CaviteImus, Rosario, Dasmarinas[email protected]
Ilocos RegionLa Union, Laoag, Vigan,
Dagupan, Urdaneta, Baguio
[email protected]
Cagayan ValleyTuguegarao, Solano, Cauayan[email protected]
Central Luzon ISan Fernando, Tarlac,
Angeles, SBMA, Balanga
[email protected]
Central Luzon IIMalolos, Baliwag, Cabanatuan, Meycauayan[email protected]
Southern Tagalog RegionLucena, Batangas, Lipa,
Calamba, San Pablo, Sta. Rosa, Calapan, Palawan
[email protected]
Bicol RegionLegazpi, Naga[email protected]
South Central VisayasCebu-Ayala, Dumaguete,
Talisay, Toledo, Cebu-Colon
[email protected]
North Central & Eastern Central VisayasMandaue, Danao, Mactan,
Tagbilaran, Tacloban, Calbayog, Ormoc
[email protected]
Western VisayasIloilo-Manduriao, Iloilo-Molo, Kalibo,
San Jose de Buenavista, Roxas, Bacolod, Kabankalan, Sagay
[email protected]
Northern MindanaoCDO-Lapasan, CDO-Carmen, Valencia,
Butuan, San Francisco, Surigao, Iligan
[email protected]
Western MindanaoZamboanga, Dipolog, Pagadian[email protected]
Southern MindanaoDavao-Bajada, Davao-Matina,
Davao-Lanang, Digos, Tagum, Panabo
[email protected]
South-Western MindanaoGeneral Santos, Polomolok,
Koronadal, Kidapawan, Cotabato
[email protected]

Related articles

How will I receive the proceeds of the PAG-IBIG Calamity Loan?

The loan proceeds will be released through any of the following channels, as applicable:

a)  Deposit to the borrower’s disbursement card; 

b)  Debit memo to the borrower’s account through Landbank of the Philippine’s Payroll Credit Systems Validation (PACSVAL) facility; 

c)  Bank check payable directly to the name of the borrower. The check should be claimed within a period of thirty (30) days from the date of check. Otherwise, the loan proceeds will be reversed and cancelled. 

Source: Pag-IBIG


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  1. Hi, i just want to ask if approve for loan but the password has been forgotten for the atm card from landbank that was given to me last time, how can replace the card?

  2. where can i get the fillable form for the calamity or multi purpose loan? We don’t have a computer at home so we cannot print and scan it. Please help me find th fillable form so that I can email it to my employer. Thank you.

  3. Tanung ko lang po king pwede napo ba ako mag loan kahit po wala papo akong pag ibig i.d or atm
    For calamity loan coz of covit19
    Rowena deinla roperoga po ito

    • Hello! Hindi po kami affiliated sa Pag-IBIG. Kung gusto po ninyong malaman ang status ng inyong application, maaari niyo pong icontact ang Pag-IBIG office sa inyong lugar kung saan po kayo nag-apply. Thank you.

  4. good day po, ask ko po kung pwede po bng mg calamity load kht po ndi p po nkachange status ang pag ibig ko, pero po ang ipapasa ko pong id n xerox e nkachange n po..? tnxs po

    • Yes po.Dapat pong maipagsama ang contributions niyo noon sa una niyong agency at bagong agency niyo po ngayon. Maaari niyo pong tanungin ang HR sa inyong bagong agency para maassist po nila kayo dito.

  5. Goodeve poh tanong ko lng kng kailangan pah poh b ipamerge ung pagibigfund ko pra mkpgloan ng Calamity Loan bgo lipat lng poh kc aqoe agency nung January?Maraming Salamat po

  6. Good am poh tanong ko lng myloan po ako tatlong bases palang po ako ng bayad. Pwdi b ulit mgloan sa calamity

    • Pwede pa rin po, pero icoconsider po kung magkano ang current loan niyo sa computation ng pwede niyong mailoan under calamity loan base po dito: “2. Loan Entitlement – This amount is equivalent to eighty percent (80%) of the Total Accumulated Value (TAV) or the total of monthly contributions. However, take note that if you recently availed of a Multi-Purpose Loan, the outstanding balance from such loan will be deducted from the 80% of the TAV to arrive at the loanable amount.”

    • Pwede pa rin po, pero icoconsider po kung magkano ang current loan niyo sa computation ng pwede niyong mailoan under calamity loan base po dito: “2. Loan Entitlement – This amount is equivalent to eighty percent (80%) of the Total Accumulated Value (TAV) or the total of monthly contributions. However, take note that if you recently availed of a Multi-Purpose Loan, the outstanding balance from such loan will be deducted from the 80% of the TAV to arrive at the loanable amount.”

  7. tanung kolang po nag apply napo online sa monatium loan mag 2weeks na wala pa respond sakin pano ko malalaman po

  8. good evjing po naka pag apply na po ako ng calamity loan ask ko lang po sana kung na recive nyo na po ung email na galing sa company po namin. thanks

  9. I submitted already my application of calamity loan in your branch at dasmarinas but til now i did not recieve any responce from your office. Thank you for your immediate responce.

  10. Magandang hapon po maam/sir! Ask ko lang po kung pweding mag apply ng calamity loan ang taga pangasinan po. In case po kung pwedi san po namin i-imail.

    Thank you po and god bless po!

  11. Ask ko lng po Kung pwede mag renew my calamity Ang may calamity thypon Josie ?pls reply po pra malaman at maintindihan

  12. Tanong lang po paano po kung may existing mpl loan pwede pa po ba mag apply for calamity loan? Saka paano ho namin madadala ung papel namen sa employer namen para mapapirmahan kung nakalockdown naman po ngayon at walang masasakyan? Thanks po…

  13. Hai po ask ko Lang pano po mag apply Ng calamity loan may form Napo kami galing sa company namin kaso p Ang problem.ko is ung atm Ng pag ibig or the cash card is there any way po.para maakapag loan sarado po kase Ang office Ng pag ibig dito samin sa baliuag bulacan

  14. march 25, 2020 pa ko nag pasa ng form thru email gmail gamit ko ask ko lang update ko kung ano po ba nsa 13days na din

  15. hello po i apply for a calamity loan last march 25 but up until now im notvyet receiving any confirmation if my loan was approved or not i was able to complete all requirements already and sent it to designated email.

  16. Good Day,

    just to ask if how could i know if my PAG-IBIG loan is pass or okey.?
    can i get an answer please.?
    because i sent it already 8 days ago on March 30, 2020 but still there’s no answer if is it qualified or not?
    please give me an answer for me to know.

    Thank you and God Bless.
    Best Regards.

  17. I apply calamity loan last mrch 26, 2020 pa. Pero wala po aq idea kung anu n status ng loan ko.. Pag ng msg aq tru facebook wala din nman reply kahit s email.. Paanu ko po kya malalaman kung approved aq. Thanks

  18. hi po yung ask kulang po if may salary loan ko ako makaka avail po ako sa calamity loan?
    tapos po yung atm ko dbp bank po. pwde po bay yun?

  19. Hi,.. Nag apply na po ako through online ng calamity 2 wks ago.. Ang sbi po sken ng agency is after po ng lockdown which is that time nd pa po xa na extend..and sb dn po nila after holyweek is ok na..hingi lng po ako ng tulong if pano q malalaman kng aq nga po is mkaka loan sa PAG I BIG ngayon..

  20. Hi im just asking ..bakit hindi po kasali ang OZAMIZ ..siNCe nG declare na man po si pres duterte ng STATE OF CALAMITY?
    Nag apply calamity kaya nga cguro hindi ko natanggap ang reply sa inyo office (pagibig) kung approved ba ang loan ko. Kasi walang OZAMIZ na i clude sa lugar.paki clarify lng po. Mag 7 days na po simula sa aking pag apply thru inline po.Salamat

  21. If able man po na maapproved yung calamity loan ko,inissue ako nang bagong card DBP card dhil yung landbank ko ay expired na..the problem is nakalimutan kuna yung password nang DBP card ko expiry date nia is 2023 can i avail my calamity loan???

  22. Good pm po nakasibmit napo ako ng aking application sa calamity loan pero ngreply po ang pagibig dito sa cagayan de oro na di po daw pa kami pwede makaavail kasi di daw naglockdown ang cagayan de oro. Sa nalalaman ko po ideneklara po ni president duterte ang nationwide state of calamity po bakit di kami pwede eh apektado naman po kami dito no work no pay po yong asawa at mga anak ko at kailangan din ng tulong yong mfa kapatid ko na apektado rin sa community quarantine dito…pls po iapprove nyo na po yong Calamity Loan dito sa cagayan de oro..maawa po kayo…

  23. hi po pnu po nmin malalaman n approved npo loan nmin my tatawag po b or mgttxt n approved npo kmi agency po kc nmin ngayos ng application po nmin,, wala nmn po kmi assurance kung approved npo b or hndi

  24. Gud afternoon po mam tanong ko lang po kc nkapagpasa n po AQ pagibig calamity loan ,,naaprubahan po ba ito. D q po kc npaxerox cashcard ko ,,, please response po thanks,,,

  25. Gooday! how will I know that I was approved with the Calamity Loan that I applied on-line?

  26. Gud day mam/sir…follow up ko lang po un application ko for calamity loan ko.kung naaprove po b….maria elisa hayo..last march 30 pa ako ng send s email

  27. Gud am po ang asawakuoo nag loan noong march 30 until now wala pa po kami nawiwidraw sabi ng hr na aprove naman daw po ang atm po namen ay dbp sana po ma aksyunan anh calamity loan ng asawa ku

  28. Nag apply po ng calamity loan asawa ko,last week of march..pero until now wala pdin balita,walang txt na ndting sknya..disapproved na kaya un??

  29. Almost isang buwan na Po ako nag apply Ng calamity loan until now Wala pa pong sagut ang pag ibig.

  30. Good evening po, ask ko lang po kasi may existing loan po ako sa pagibig at nag 12months na po ako nung february,. Plan ko po sana mag halfway kasi gagamitin ko sana ngayon,. Ang problema po nakapag resign na ako sa trabaho ko nung february pa po,. gusto ko po sana i self contribution nalang,. Ano po kaya ang magiging requitements ko po, pls pa tulong po..

  31. Hello po verify ko lang po yung inapply ko po na calamity loan 1 month na po kase hindi pa dumadating e sabi po 1-2 weeks lang dw po makukuha na po e.. bakit po kaya??

  32. How will I know if my calamity loan has been approved? My employer submitted my calamity loan form after the Holy Week and up to now I have not received any response from Pag Ibig if the calamity loan has been approved.

  33. Good afternoon po,ask ko Lang po status ng calamity loan application ko…paano po malalaman Kung approve o Hindi po na wala man po update..
    Kung Hindi pa po naiprocess po sa loob ng isang buwan(filed March27)pwd po ipa cancel nlang po…
    Salamat po.

  34. Good day po ,,follow up nmn po ng calamity loan q po ,,d q lng po alam kung paanu mag follow up po sa cp po,,,feejay D gonzaga,,,mid#121185840389
    Company;stinger security and service incoorporation,,thank u po

  35. Gud am po ask q lng po kung pano malalaman kung aprove na ung calamity loan? Nakasend na po kme ng application via online 2weeks na po..hnd lng po namin alam kung aprove na ba or hnd kc wla po kme na rereceive na confirmation man lng…tnx po

  36. good day po im ARNEL GACOSCOSIM PORE ask qlng po if ano n po nangyari sa calamity loan q my narecieve n po aq sa gmail q mula sa pagibig n naaprove ndaw po ung paper q pero until now wala padin po 1month n po mahigit q inaantay sana po masagot nyo po ito maraming salamat po

  37. Pwede po bang magloan ng calamity loan kahit kakaloan palang Nung March ng salary loan?? Thanks po

  38. good day po. ask lang po nag work kasi ako sa iba’t ibang companies dati at ngayon ay walang trabaho. magloloan po ako ng calamity loan. kailangan ko pa bang i merge ang contributions ko para mas makakuha ng mas mataas na amount na maloloan o automatically na nilang iaadd ito sa TAV ko?

  39. . Meron po bang option na macancel yung application ng calamity loan?? Mali yung account number na ibigay ko po. Salamat

  40. Hello!

    Naapprove po calamity loan ko last tuesday ilang araw po ba bago magkalaman enrolled bank account ko sa atm or may notif ba akong matatanggap kng may laman na ito kc wala pa pong laman nong chineck ko kahapon!

    Please follow up nyo naman po.. badly needed!

  41. Tanong ko lang po sana kung pwede ako mag avail ng calamity loan, katatanggal ko lang sa trabaho last November 6, 2020 due to redundancy pero yung contribution ko po kumpleto. Pano ang process? May online processing ba? Sana masagot.

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